Dear Dave, Should you still pay debts that are in collections, even if they have been dropped from your credit report? The one in question is from 2011, and I assume it isn’t showing on the credit report anymore because it’s nine years old. Sam Dear Sam, There are twoContinue Reading

Dear Dave, We live in Colorado, and we need some advice on protecting our assets. My wife is a teacher, and I’m a nurse. We make around $180,000 a year combined, and we’re set to pay off our home next month. We also have two teenagers who are both driving,Continue Reading

Dear Dave, I went through a divorce a couple of months ago, and I’m not sure what to do next. I received custody of our kids, ages 13 and 15, plus I have a good job and I got the house in the settlement. It’s a nice, simple home, butContinue Reading

Dear Dave, My husband and I had our first child in December. We bought a house not long before the baby was born, and since then we’ve been getting mail and phone calls about buying mortgage protection insurance. We’re both 27, we have good jobs, and our mortgage is $105,000.Continue Reading

Dear Dave, My husband passed away last year at just 45 years old. We always tried to be careful with our money, and we were in good enough shape financially that I paid for his funeral with cash. A few days ago, I started getting letters from the funeral homesContinue Reading